Side-by-side · Q2 2026 data
Emprise Bank vs The Valley State Bank
Metric by metric
| Measure | Emprise Bank | The Valley State Bank |
|---|---|---|
| TellerScore | 66 | 78 (stronger) |
| Capital cushion | 27 | 72 (stronger) |
| Loan quality | 88 | 97 (stronger) |
| Earnings | 83 (stronger) | 42 |
| Funding & liquidity | 66 | 92 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 40th | 72nd |
| Total assets | $2.8B | $200.5M |
| Deposits / shares | $2.5B | $174.0M |
| Capital ratio | 7.69% | 12.18% (stronger) |
| Problem loans | 0.37% | 0.09% (stronger) |
| Net charge-offs | 0.08% (stronger) | 1.24% |
| Return on assets | 1.58% (stronger) | 0.55% |
| Loans ÷ deposits | 80.0% | 62.1% (stronger) |
| Uninsured deposits | 28.2% | 20.8% (stronger) |
| Offices | 31 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.6% | 18.6% |
The Valley State Bank has the higher TellerScore (78 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Emprise Bank leads on 2 and The Valley State Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.